I guess it depends on exactly how "Libertarian" a view one is espousing.

"Why should I have to pay for a fire department? My house isn't on fire!" Yeah, that guy needs to move to Somalia. Not so he can experience what that degree of government-free state is actually like, but rather so the rest of us don't have to put up with that kind of idiocy.

Just because you can't conceive up voluntary methods of community-funded fire-protection services, doesn't mean the concept is "idiotic".

I'm going to pass on getting into another Freedom discussion, seeing as you're already off to referring to certain ideas as "idiocy". Hardly the platform for a decent, logical debate on the topic.

Who funds the "community-funded" fire protection services if not the community? That is, the people who would stand to benefit from those services, should they ever find their house on fire.

The most "libertarian" example of a community funded fire service I've ever heard of is the one where you pay "dues" to the fire department, and they'll come put out the fire if your house ever catches. If you don't, they'll come up to your property line and make sure the fire doesn't spread, but otherwise just stand there, watching your shit burn.

This actually happens, and I have exactly zero sympathy for the people who don't pay in.

That's what I'm talking about when I say "idiocy": people who claim to be Libertarian, but whose attitude is more, "Fuck you, I've got mine!" punctuated by, "Oh, shit! Someone expend community resources to help me with this!" You don't get to have it both ways; either you contribute meaningfully to the upkeep of the society whose membership you wish to benefit from, or you don't get to benefit from participation in that society.

EDIT: Sorry, I guess, if my tone is dismissive or offensive. I'm just sick to death of people walking around, talking a "Taxes Я theft!" position, but who expect to benefit from the things that those taxes pay for.

How do you handle housing where owners share at least one wall with their neighbors?

If it were up to me, I'd make owning property with a "party wall" contingent upon membership in some form of home-owner's association, the dues of which are used to pay the dues to such a community fire brigade, as well as things like insurance on the common parts of the building, and such.

I'm not sure how you'd handle delinquency in paying those dues, but it would probably be somehow legally actionable.

EDIT: It's probably somewhat moot, anyway, as the overwhelming majority of these dues-based fire brigades exist in predominantly rural areas, where party walls aren't typically a thing.